• Gwneud cais ar-lein, mewn cangen neu asiantaeth
• Cynilo rhwng £500 a £20,000
• Trosglwyddo eich ISA Arian Parod presennol i mewn
• Cyfrifir llog ar eich balans yn ddyddiol a chaiff ei dalu yn flynyddol neu’n fisol
• Caniateir adneuon ychwanegol tra bod yr ISA yn dal i fod ar werth
• No withdrawals allowed before the end of the 18 month term
• Caniateir cau'r cyfrif ond byddwch yn colli 150 diwrnod o log
• Ar gael yn gyfyngedig

• Summary Box
• Help & guidance 

Summary Box

	Blwch Crynodeb
Beth yw'r gyfradd llog?	Fixed annual interest      4.55% Tax-free^ each year     4.50% AER† Fixed monthly interest    4.41% Tax-free^ each year     4.50% AER† (See the meanings of ‘Tax-free’ and ‘AER’ at the bottom of the page) Interest is calculated each day on the money in the account and paid: at maturity, 18 months after the date your ISA is opened; or monthly, starting one month after the date your ISA is opened, and then each month after that; whichever you choose.
A all y Principality newid y gyfradd llog?	No, the rate is fixed for 18 months until the ISA matures (when the account comes to an end).
Beth fyddai'r balans amcangyfrifedig ar ôl 18 mis yn seiliedig ar adnau o £1,000?	£1,068.25 This is based on you choosing to have interest paid at maturity and added to your ISA, and not making any further payments into the account.
Sut mae agored a rheoli fy nghyfrif?	You must be a UK resident and satisfy the minimum age requirements to open a cash ISA (see your 18 Month Fixed Rate Cash ISA account terms). You can open your ISA in branch, at an agency, or online. If you want to open this ISA with funds from a Principality Fixed Term ISA that has matured, you can do this online, in branch, agency, or by post. You must keep at least £500 (the minimum balance) in the account. You cannot pay in more than the ISA Allowance each tax year. The ISA Allowance for the current tax year 2024/2025 is £20,000. You can only pay your ISA Allowance into one Principality cash ISA in the current tax year. You can transfer unlimited amounts from ISAs from previous tax years, as these are not part of your current year’s ISA allowance. You must make the first payment into your ISA within five business days of it opening. If you don’t, we may close the account. You can keep making payments into your ISA while we are still offering this ISA to customers. Your ISA will mature 18 months after the date your ISA opened. You can manage your ISA in branch, at an agency, by post, or by using the online service, Your Account as principality.co.uk.
A gaf i godi arian?	No, you cannot make withdrawals from your ISA before it matures. If you close or transfer your ISA before the end of the fixed-rate term (within 18 months), you will lose 150 days’ interest. If you haven’t earned enough interest to cover the 150 days’ interest it will be taken from the money in the account. This means you may get back less than you originally put in. We will write to you before your ISA matures to find out what you want to do with your money. If we don't receive any instructions from you before your ISA matures, we will move your money to our Variable Rate Cash ISA or the nearest equivalent we offer at the time.
Gwybodaeth ychwanegol	Service charges and costs may apply to your account. These are outlined in our Tariff of Charges. In certain circumstances we may refuse an instruction for using an account. These circumstances are set out in our Savings Terms and Conditions. The tax treatment of your savings depends on how individual circumstances and may change in the future. This is set by HM Revenue and Customs (HMRC). Further information can be found at gov.uk/individual-savings-accounts/how-isas-work The interest rates quotes above were correct on 27/06/2024.

Before you apply below, please read the 18 Month Fixed Rate Cash ISA Issue 343 Terms & Conditions

If you are transferring previous years' ISA subscriptions, please enter your initial deposit as £500 on the application form. The application form will ask you whether you are making a transfer later in the process.

You can only invest in one Principality Cash ISA per tax year.

As you will be bound by the account terms and your information is held in accordance with our privacy policy, you should read, print and save the below documents for your records. If you have any queries relating to them please contact us for further information.

• 18 Month Fixed Rate Cash ISA Issue 343 Account Terms and Product Summary Information
• Savings Terms and Conditions
• Privacy Policy

Please also read the following:

• Basic information about the protection of your eligible deposits
• Electronic Verification Guide
• Tariff of Charges
• Your Information

Help & guidance 

Guides Read more for top tips on saving and answers to your savings and ISA questions.

Contact us If you would like to speak someone for help give us a quick call. 

FAQs

• How do I transfer my ISA from another provider to Principality?
• Can I transfer my ISAs from previous years?
• How many ISA accounts can I have?

^ Tax-free means UK Income Tax and Capital Gains Tax is not deducted from the interest you earn. This depends on your individual circumstances, and may change in future.

† AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest were paid once each year on the whole balance, including previous interest payments.

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